Systems and methods to provide user verification in a shared user environment via a device-specific display

ABSTRACT

A method of generating a shared augmented reality payment authentication entry interface includes detecting a first consumer device and a second consumer device; prompting a display of a first augmented reality payment authentication interface at the first consumer device; and prompting a display of a second augmented reality payment authentication interface at the second consumer device.

CROSS-REFERENCE TO RELATED APPLICATION(S)

This patent application is a continuation of and claims the benefit ofpriority to U.S. Non-provisional patent application Ser. No. 16/251,890,filed on Jan. 18, 2019, the entirety of which is incorporated herein byreference.

TECHNICAL FIELD

Various embodiments of the present disclosure relate generally toelectronic payment processing and, more particularly, to generatingpayment authentication entry interfaces for shared user environments.

BACKGROUND

Traditionally, PIN pads are often used for customers to enter paymentcredentials or verify their identity for payment processing. StandardPIN pads may have a known arrangement of alphanumeric characters in theform of 12 buttons arranged in 4 rows and 3 columns. The first row mayinclude numbers 1, 2, and 3; the second row may include the numbers 4,5, and 6; the third row may include numbers 7, 8, and 9; and the lastrow may include “*”, 0, and “#.” Each of the numbers may also haveassociated letters of the alphabet in a standard format.

Users often provide payment credentials (e.g., personal identificationnumber (“PIN numbers”), Card Verification Value (CVVs), etc.) while in ashared environment, in the presence of other people. The standard PINpad configuration means that an individual watching a user may easilydetect or infer a user's PIN number by watching the user's selection ofbuttons and correlating the user's selections with standard positions ofalphanumeric characters in a PIN pad.

Accordingly, there is a need for systems and methods that allow users toenter payment credentials in a shared environment, using interfaces thatare not discernable to other users. There is also a need for a way forusers in a group to enter their payment credentials such that theirpayment credentials are not discernable to each other. The presentdisclosure is directed to overcoming one or more of theseabove-referenced challenges.

SUMMARY OF THE DISCLOSURE

According to certain aspects of the disclosure, systems and methods aredisclosed for generating payment authentication entry interfaces forshared user environments.

In accordance with another embodiment, a system is disclosed forgenerating payment authentication entry interfaces for shared userenvironments, the system comprising: a data storage device storinginstructions for generating payment authentication entry interfaces forshared user environments in an electronic storage medium; and aprocessor configured to execute the instructions to perform a methodincluding: detecting a first consumer device and a second consumerdevice; prompting a display of a first augmented reality paymentauthentication interface at the first consumer device; and prompting adisplay of a second augmented reality payment authentication interfaceat the second consumer device.

In one embodiment, a computer-implemented method is disclosed forgenerating payment authentication entry interfaces for shared userenvironments, the method comprising: detecting a first consumer deviceand a second consumer device; prompting a display of a first augmentedreality payment authentication interface at the first consumer device;and prompting a display of a second augmented reality paymentauthentication interface at the second consumer device.

In accordance with another embodiment, a non-transitory machine-readablemedium storing instructions that, when executed by the server, causesthe server to perform a method for detecting a first consumer device anda second consumer device; prompting a display of a first augmentedreality payment authentication interface at the first consumer device;and prompting a display of a second augmented reality paymentauthentication interface at the second consumer device.

Additional objects and advantages of the disclosed embodiments will beset forth in part in the description that follows, and in part will beapparent from the description, or may be learned by practice of thedisclosed embodiments. The objects and advantages of the disclosedembodiments will be realized and attained by means of the elements andcombinations particularly pointed out in the appended claims. As will beapparent from the embodiments below, an advantage to the disclosedsystems and methods is that users may provide payment authenticationcredentials in the presence of other individuals, without having thecredentials being detectable to the other individuals. It is to beunderstood that both the foregoing general description and the followingdetailed description are exemplary and explanatory only and are notrestrictive of the disclosed embodiments, as claimed.

BRIEF DESCRIPTION OF THE DRAWINGS

The accompanying drawings, which are incorporated in and constitute apart of this specification, illustrate various exemplary embodiments andtogether with the description, serve to explain the principles of thedisclosed embodiments.

FIG. 1 depicts a block diagram of an environment and user network forgenerating payment authentication entry interfaces for shared userenvironments, according to one or more embodiments.

FIG. 2 depicts an exemplary system infrastructure for generating paymentauthentication entry interfaces for shared user environments using acomputer network, according to one or more embodiments.

FIG. 3 depicts a flowchart of a method for generating paymentauthentication entry interfaces for shared user environments, accordingto one or more embodiments.

FIGS. 4A and 4B depict payment authentication entry interfaces forshared user environments, according to one or more embodiments.

FIG. 5 is a block diagram of an example computing environment, accordingto one or more embodiments.

DETAILED DESCRIPTION OF EMBODIMENTS

Various embodiments of the present disclosure relate generally to anaugmented reality or virtual reality electronic payment infrastructureand to generating payment authentication entry interfaces for shareduser environments.

The terminology used below may be interpreted in its broadest reasonablemanner, even though it is being used in conjunction with a detaileddescription of certain specific examples of the present disclosure.Indeed, certain terms may even be emphasized below; however, anyterminology intended to be interpreted in any restricted manner will beovertly and specifically defined as such in this Detailed Descriptionsection.

For simplicity, the description that follows will be provided byreference to a “payment vehicle” or a “payment card,” which generallyrefers to any type of financial alternative to cash. As is to be clearto those skilled in the art, no aspect of the present disclosure isspecifically limited to a specific type of payment vehicle or paymentcard. Therefore, it is intended that the following descriptionencompasses the use of the present disclosure with many other forms offinancial alternatives to cash, including credit cards, debit cards,smart cards, chip-based payment cards, single-use cards, prepaid cards,electronic currency (such as might be provided through a cellulartelephone or personal digital assistant), and the like. Payment vehiclesor payment cards can be traditional plastic transaction cards,titanium-containing, or other metal-containing, transaction cards, clearand/or translucent transaction cards, foldable or otherwiseunconventionally-sized transaction cards, radio-frequency enabledtransaction cards, or other types of transaction cards, such as credit,charge, debit, prepaid or stored-value cards, electronic benefittransfer cards, a “virtual” card (e.g., in the form of a display on asmart phone), or any other like financial transaction instrument. In anyevent, the payment vehicles described herein communicate accountinformation (e.g., an account number or other account indicativeinformation) during a purchase event and/or payment or credittransaction.

While some of the embodiments below refer to payment credential entry asbeing user's entry of their PIN number entry, no aspect of the presentdisclosure is specifically limited to the payment credential being a PINnumber. It is intended that the following description encompasses theuse of the present disclosure with any form of payment credential,including Card Verification Value (CVV), a payment vehicle number (e.g.,a credit card number), a password, or any other type of paymentcredential verifying the user's identity through a plurality ofcharacters, including, for example, alphanumeric characters, emojis,symbols, pictures, thumbnails, shapes, graphics, gifs, animations, etc.

While some of the embodiments below refer to usage in an augmentedreality setting, no aspect of the present disclosure is specificallylimited to augmented reality. It is intended that the followingdescription encompasses the use of the present disclosure in any virtualreality setting as well.

Traditionally, merchants and other store owners may accept user paymentcredentials (e.g., PIN numbers) via point of sale (POS) devices thathave buttons arranged in a standardized format of alphanumericcharacters. The standardized format typically comprises an arrangementof 12 buttons positioned in 4 rows and 3 columns. This standardarrangement of alphanumeric characters provides easy detectability of auser's payment credentials from any nearby users. Such detectability isespecially problematic in a shared physical space environment (e.g., apublic space, ride share, or shared gaming console), where individualsother than the user may infer a user's payment credentials.

The systems and methods provide an improvement to the current problem ofdetectable payment credentials in a shared environment, by presentingdifferent interactive displays to different users in the environment.The interactive displays may be comprised of augmented reality overlayson a shared physical environment, or user-specific virtual realityoverlays in a shared virtual reality environment. The overlays/displaysmay be visible only to the user. Accordingly, even if users observeanother user providing inputs to enter their payment credentials, thepayment credentials may not be discernable because the inputs do notcorrespond to a known or standardized format.

One example of the augmented reality display may refer to a scenariowhere multiple users are in the same physical space, e.g., a room. Uponreceiving an indication that at least one of the users wishes to make apayment, a payment authentication interface may be generated at eachuser's personal device. The indication that at least one user wishes tomake a payment may be associated with a physical space (e.g., a locationof a room as shown in FIG. 4A). For instance, if a group of friendswants to go to a gym class together, an augmented reality interface mayappear on each person's personal device as they approach the classroom.The interface may be shown through each user's personal device as aunique augmented reality overlay on the room. The interface may bedifferent on each user's personal device. The payment authenticationinterface may prompt each respective user to enter payment prior toentering the classroom.

Alternately or in addition, the indication that at least one user wishesto make a payment may be associated with one or more objects. Forinstance, user selection or interaction with a blank “PIN pad” (as shownin FIG. 4B) may prompt a payment authorization request. An augmentedreality interface may then be projected or overlaid, for instance, overthe object. An “object” in this instance may include, for example,physical object(s) or good(s), digital good(s), physical services, webor digital services, etc. As shown at FIG. 4B, the augmented realityoverlay/projection may be different at each user's user device, thusensuring secure entry of payment credentials.

Yet another exemplary indication of a payment request may include adetected proximity between one or more user devices. For example, afirst user and a second user may be team members in a game. The firstuser may be associated with a first device and the second user may beassociated with a second device. Detection of the first device and thesecond device being in the same setting (e.g., within a 1 meter radiusof one another) may initiate one overlay at the first device and asecond overlay at the second device. Each user may input paymentcredentials into their respective overlays, for instance, to pay tostart the game.

In use, each payment authentication interface/overlay may receive auser's input of payment credentials to authenticate payment. The paymentauthentication interface may be different at each user's device (e.g.,as shown in FIGS. 4A and 4B). Accordingly, even if users can see eachother inputting payment credentials, viewers cannot discern whatcharacters each user is selecting as input.

Referring now to FIG. 1 , a block diagram is depicted of an exemplaryenvironment 100 and user network 101 for authenticating paymenttransactions in virtual reality environments, according to an exemplaryembodiment of the present disclosure. Environment 100 may include aplurality of consumer devices (e.g., consumer device 103 a and consumerdevice 103 n). The consumer devices 103 a and 103 n may include one ormore augmented reality (AR) or virtual reality (VR) consumer products,e.g., a VR headset, VR or augmented reality (AR) eyewear, a VR immersivesystem, a smartphone, mobile phone, tablet computer, laptop, portablecomputer, watch, wearable device, or a combination thereof.

Each consumer device may be associated with (or belong to) a differentuser. Further, each consumer device may be configured to provide anaugmented reality interface. For example, consumer device 103 a mayprovide an augmented reality interface 104 a and consumer device 103 nmay provide an augmented reality interface 104 n. Augmented realityinterface 104 a may show various characters for a user's selection in adifferent visual arrangement from that of augmented reality interface104 n. Further, augmented reality interface 104 a may receive a user'sinput of a payment credential for consumer device 103 a, and augmentedreality interface 104 n may receive its respective user's input of apayment credential for consumer device 103 n. The payment credential mayinclude a PIN number or other secure code.

The display or creation of a payment authentication interface may beinitiated by a merchant 105, authentication interface generator platform109, augmented reality platform 111, or a combination thereof. Themerchant 105 may operate at least one augmented reality terminal 107.(Terminal 107 may alternately be a virtual reality terminal.) Terminal107 may be in contact with each consumer device 103 a and consumerdevice 103 n. In one embodiment, terminal 107 may provide or prompt thecreation of augmented reality interface 104 a at consumer device 103 a,and augmented reality interface 104 n at consumer device 103 n.

The authentication interface generator platform 109 and/or the augmentedreality platform 111 may facilitate or enhance the generation of theinterfaces 104 a and 104 n. For example, authentication interfacegenerator platform 109 may randomize the order of characters for each ofthe interfaces 104 a and 104 n. Augmented reality platform 111 may hostone or more services 113 a-113 n (or services 113). The augmentedreality platform 111 and services 113 may detect cues or triggers in aphysical environment that prompt AR displays. Alternately or inaddition, platform 111 and services 113 may be comprised of a virtualreality platform with services that provide immersive VR experiences.The interfaces 104 a and 104 n may then be displayed as overlays in animmersive VR environment.

Once a consumer submits payment information via consumer device 103,virtual reality terminal 107 may send a payment request to a paymentenvironment 160. The payment request may be sent by way of a computernetwork 163 to an acquirer processor 161. Alternatively, such a requestmay be sent by a component that controls a flow of a transaction, suchas an authentication engine 250, as depicted in FIG. 2 . Acquirerprocessor(s) 161 may request, by way of payment network 163, anelectronic transfer of funds from the received funds to the financialinstitution(s) 165 associated with merchant 105 Merchant 105 may providean infrastructure for processing electronic payment requests.

FIG. 2 depicts an exemplary system infrastructure for generatingrandomized virtual reality payment authentication entry interfaces,according to one or more embodiments. As shown in FIG. 2 , aninfrastructure 200 processing electronic payment requests may include aplurality of augmented reality terminals, e.g., AR terminal 112 a and ARterminal 112 b. Each AR terminal may be associated with an AR interface.For example, AR terminal 112 a may be associated with AR interface 114a. AR interface 114 a may be comprised of various displays, includinginteractive interface 104 a of consumer device 103 a of FIG. 1 .Similarly, AR terminal 112 b may be associated with AR interface 114 b.AR interface 114 b may, for example, supply various AR interfaces atconsumer device 103 n, including interactive interface 104 n of consumerdevice 103 n.

Authentication response (e.g., PIN number entry) for a user of consumerdevice 103 a may be received via interface 104 a (or interface 114 a),and authentication response for a user of consumer device 103 n may bereceived via interface 104 n (or interface 114 n). Each AR terminal maybe in communication with an infrastructure 200 via socket gateway 210.Socket gateway 210 may send commands to each of the VR terminals of eachconsumer device, to generate the AR interfaces.

Infrastructure 200 may further include a configuration service 220, a(PIN “pad”) randomizer 230, and an AR device database 235. Configurationservice 220 may, if necessary, configure each interface 114 uponconnection of each AR terminal 112 to the infrastructure 200.Configuration service 220 may comprise an individual software vendorspecializing in storing or verifying payment credentials. For example,configuration service 220 may work with randomizer 230 to generaterandomized interfaces 114 for each consumer to use in entering theirpayment credentials. AR device database 235 may maintain configurationdata associating each AR terminal 112 and interface 114. In this way, ARdevice database 235 and configuration service 220 may ensure that thedisplay provided by randomizer 230 is compatible with the AR terminal112 and consumer device 103 (not shown), and able to display each ARinterface 114 independently to each consumer device 103.

In one embodiment, infrastructure 200 may further include PIN pad actor240 and authentication engine 250. PIN pad actor 240 may determine oneor more prompts for an interface 114. The prompts may include locationsor objects in a physical space. For example, interface 114 may bedisplayed as a group of users approaches a selected room or a selectedobject (e.g., a calculator, chalkboard, desk, blank PIN pad, tree,monitor, etc.). Other prompts may include selections or actions from oneor more users. For example, a user may initiate display of interface 114or interface 104 via a gesture or vocal/audio command. Another exemplaryprompt may include the users being positioned in a selectedconfiguration (e.g., in the back seat of a vehicle, in a pre-setformation, etc.).

In other words, configuration service 220 may prompt PIN pad actor 240to generate a display or overlay to show at each interface 114, andrandomizer 230 may interact with actor 240 to generate a display/overlaywith randomized components or icons for each interface 114.Authentication engine 250 may compare payment credentials receivedthrough each interface 114, with stored payment credentials of theconfiguration service 220. If the received payment credentials match thestored credentials, authentication engine 250 may approve a paymentrequest. If a match does not occur, authentication engine 250 may rejecta transaction payment request and/or prompt generation of anotherinterface 114 for the respective user to try again.

According to one or more embodiments, the components of infrastructure200 may be connected by a computer network 260, such as, for example alocal area network (LAN) or a wireless network, such as, for example, aWi-Fi network. However, other network connections among the componentsof infrastructure 200 may be used, such as, for example, a wide areanetwork (WAN), the internet, or the cloud. According to one or moreembodiments, the components of infrastructure 200 may operate togenerate various interface(s) 114 that a user may use in a VR or ARenvironment to enter payment authentication credentials. Methods ofgenerating payment authentication entry interfaces for sharedenvironments according to one or more embodiments will be discussed withrespect to FIG. 3 -FIG. 5 below.

Any suitable system infrastructure may be put into place for generatingrandomized virtual reality payment authentication entry interfaces.FIGS. 1 and 2 and the discussion above provide a brief, generaldescription of a suitable computing environment in which the presentdisclosure may be implemented. In one embodiment, any of the disclosedsystems, methods, and/or graphical user interfaces may be executed by orimplemented by a computing system consistent with or similar to thatdepicted in FIGS. 1 and 2 . Although not required, aspects of thepresent disclosure are described in the context of computer-executableinstructions, such as routines executed by a data processing device,e.g., a server computer, wireless device, and/or personal computer.Those skilled in the relevant art will appreciate that aspects of thepresent disclosure can be practiced with other communications, dataprocessing, or computer system configurations, including: Internetappliances, hand-held devices (including personal digital assistants(“PDAs”)), wearable computers, all manner of cellular or mobile phones,media players, gaming devices, virtual reality devices, multi-processorsystems, microprocessor-based or programmable consumer electronics,set-top boxes, network PCs, mini-computers, mainframe computers, and thelike. Indeed, the terms “computer,” “server,” and the like, aregenerally used interchangeably herein, and refer to any of the abovedevices and systems, as well as any data processor.

Aspects of the present disclosure may be embodied in a special purposecomputer and/or data processor that is specifically programmed,configured, and/or constructed to perform one or more of thecomputer-executable instructions explained in detail herein. Whileaspects of the present disclosure, such as certain functions, aredescribed as being performed exclusively on a single device, the presentdisclosure may also be practiced in distributed environments wherefunctions or modules are shared among disparate processing devices,which are linked through a communications network, such as a Local AreaNetwork (“LAN”), Wide Area Network (“WAN”), and/or the Internet.Similarly, techniques presented herein as involving multiple devices maybe implemented in a single device. In a distributed computingenvironment, program modules may be located in both local and/or remotememory storage devices.

Aspects of the present disclosure may be stored and/or distributed onnon-transitory computer-readable media, including magnetically oroptically readable computer discs, hard-wired or preprogrammed chips(e.g., EEPROM semiconductor chips), nanotechnology memory, biologicalmemory, or other data storage media. Alternatively, computer implementedinstructions, data structures, screen displays, and other data underaspects of the present disclosure may be distributed over the Internetand/or over other networks (including wireless networks), on apropagated signal on a propagation medium (e.g., an electromagneticwave(s), a sound wave, etc.) over a period of time, and/or they may beprovided on any analog or digital network (packet switched, circuitswitched, or other scheme).

FIG. 3 illustrates a method 300 for verifying payment. In particular,the verification method of method 300 includes detecting a firstconsumer device and a second consumer device (e.g., step 301). The firstand/or second consumer device may include any of the following: a VRheadset, VR or augmented reality (AR) eyewear, a smartphone, mobilephone, tablet computer, laptop, portable computer, watch, wearabledevice, or a combination thereof. The first consumer device and secondconsumer device may be different types of devices. For instance, thefirst consumer device may include AR eyewear (e.g., eyewear 415 of FIG.4A) and the second consumer device may include a portable computingdevice (e.g., mobile phone 425 of FIG. 4A). The first consumer deviceand second consumer device may also be associated with different users.

In one embodiment, step 301 may be performed in response to receiving arequest for payment authorization of one or more objects. For example,one or more users may be in the same physical space (e.g., room 405 ofFIG. 4A), and they may wish to purchase an object in the physical space.The request for payment authorization may relate to a single object forpurchase between the first consumer device and the second consumerdevice. For example, two users sharing a physical space or an immersivevirtual reality experience may both wish to purchase item(s), or thesame item, while in the space/experience. In such a scenario, a requestfor payment may be received (e.g., from a consumer device). Each of theusers may signal a wish to make a purchase in the form of some userinput. For instance, a user having AR eyewear may provide a voicecommand (e.g., an audio input of “purchase Tree No. 2356”), a gesture(e.g., a “grab,” swipe, point, wave, etc.), or other physical input toinitiate a transaction request. The request may also be submitted fromthe user scanning a bar code, quick response (“QR”) code, etc.

The request for payment may result in a request for paymentauthorization being issued from a consumer device (e.g., consumer device103 of FIG. 1 , eyewear 415 of FIG. 4A, or mobile phone 425 of FIG. 4A,etc.). In one embodiment, the request for payment authorization may bereceived over a computer network (e.g., user network 101) by theauthentication interface generator platform 109, augmented realityplatform 111, a mobile app (e.g., installed on a consumer device 103),etc. Payment authorization may entail a desire to verify each user'sidentity prior to authorizing payment. The verification of the user'sidentity may entail a request for each of the users to enter paymentcredentials, e.g., a personal identification number (PIN). Accordingly,step 301 may include detecting and/or identifying the device(s)associated with the request for payment authorization and the rest ofmethod 300 may include generating interactive AR interfaces for each ofthe users to securely enter their payment credentials.

Step 303 may include prompting a display of a first augmented realitypayment authentication interface at the first consumer device (e.g.,interface 415 of eyewear 415 at FIG. 4A). Step 305 may include promptinga display of a second augmented reality payment authentication interfaceat the second consumer device, the second augmented reality paymentauthentication interface being different from the first augmentedreality payment authentication interface (e.g., interface 430 of mobilephone 425 of FIG. 4A). The difference of the first augmented realitypayment authentication interface from the second augmented realitypayment authentication interface may ensure that each of the users maysecurely enter their payment credentials in into their respectiveinterfaces. In contrast with current PIN pads where alphanumericcharacters are arranged in a known order and observers may infer auser's payment credentials by watching their character selections, thedifferences between the payment interfaces ensures that observers/otherusers cannot infer a user's payment credentials (e.g., as shown by FIG.4B discussed in more detail below). In one embodiment, steps 303 and 305of prompting the display of the first augmented reality paymentauthentication interface and the display of a second augmented realitypayment authentication interface may be performed in response to therequest for payment authorization.

In one embodiment, the first augmented reality payment authenticationinterface and the second augmented reality payment authenticationinterface may each comprise a randomized display of alphanumericcharacters, e.g., as shown by interfaces 420 and 430 at FIG. 4A, andinterfaces 455 a-455 d of FIG. 4B). In particular, the first augmentedreality payment authentication interface and the second augmentedreality payment authentication interface may each depict a plurality ofalphanumeric characters positioned in randomized placements in anaugmented reality (or virtual reality) environment. For example, thenumerals 0, 1, 2, 3, 4, 5, 6, 7, 8, and 9 may be placed randomly in anarrangement with three rows, three columns, and one number underneaththe three rows and three columns. While FIGS. 4A and 4B depict theinterfaces as including numerals in the arrangement described above, theinterfaces may include any characters or symbols, arranged in any manneror scattered across any location of an augmented reality or virtualreality space.

In one embodiment, the first augmented reality payment authenticationinterface and the second augmented reality payment authenticationinterface may each comprise an augmented reality display or an augmentedreality overlay of alphanumeric characters positioned in a randomizedorder in a physical environment (e.g., as shown in FIG. 4A), or anaugmented reality overlay of alphanumeric characters positioned in arandomized order projected onto a physical object (e.g., as shown inFIG. 4B). In particular, FIG. 4A depicts a physical room 405 (or virtualreality environment/room 405). A first user's consumer device mayinclude augmented reality eyewear 415, displaying a first augmentedreality payment authentication interface 420. A second user in room 405may access mobile phone 425, which may display second augmented realitypayment authentication interface 430. Interface 420 and interface 430may differ, so that the first and second user cannot detect each other'spayment credentials as they select numerals from their respectiveinterfaces.

FIG. 4B depicts an environment 450 as including a physical PIN pad 451.Various users may be present in environment 450, and each user may beassociated with one consumer device. For example, eyewear 455 a, eyewear445 b, eyewear 445 c, and tablet 455 d may each belong to differentusers. The users may each see different overlays of characters whenviewing pad 451. The user of eyewear 455 a will see interface 457 a; theuser of eyewear 445 b will see interface 457 b; the user of mobiledevice 455 c will see interface 457 c; and the user of tablet 455 d willsee interface 457 d. Because each of the users is seeing different (andpossibly randomized) overlays/displays of characters, their paymentcredentials are not detectable to each other or other observers. Whilethe exemplary displays shown in FIGS. 4A and 4B include alphanumericcharacters, the characters in the displays and overlays may include anycharacters, including alphanumeric characters, emojis, symbols,pictures, thumbnails, shapes, graphics, gifs, animations, etc., or acombination thereof.

Once the interfaces are displayed, payment credentials may be receivedfrom a first user using the first augmented reality paymentauthentication interface at the first consumer device, and paymentcredentials may be received from a second user using the secondaugmented reality payment authentication interface at the secondconsumer device. Payment credentials may be received via user input,e.g., a gesture, drag and drop motion, a grabbing motion, a wave, aclick, a point, etc. In one embodiment, payment credentials may bestored by a user device or mobile app and associated with a user paymentaccount or profile. If the received payment credentials match storedpayment credentials, payment authorization messages may be provided. Apayment may thus be made to complete the transaction. If the receivedpayment credentials do not match stored payment credentials, paymentauthorization may be denied. Alternately or in addition, additionalpayment authentication interface(s) may be provided. The paymentauthentication interfaces may increase in difficulty as a user's paymentcredentials fail to match stored credentials, as the transaction amount(e.g., price or payment amount of a transaction) increases, or as trustbetween users is low (e.g., trust may be low if the users are strangers,but high if the users are teammates in a virtual reality game).

Increased difficulty may involve elevated complexity, for example, withthe placement of the characters, the proximity of each character to oneanother, the size of graphics showing the characters, the frequency thatthe placement of the characters is changed, or a combination thereof.For example, characters may be shown in a “PIN pad” configuration,scattered as icons throughout an augmented reality or VR environment,and/or hidden in occluded spaces of an AR/VR environment as exemplarylevels of increasing difficulty. Another layer of difficulty may involvechanging the overlay each time (or every other time) a user selects acharacter. The change may include a randomization or reshuffling ofcharacters in the interface such that the interface is updated each timea user selects a character in the overlay. The characters may also moveor be animated to move about a VR or AR environment.

The systems and processes described above may be performed on or betweenone or more computing devices, e.g. configuration service. FIG. 5illustrates an example computing device. A computing device 500 may be aserver, a computing device that is integrated with other systems orsubsystems, a mobile computing device such as a smart phone, acloud-based computing ability, and so forth. The computing device 500may be any suitable computing device as would be understood in the art,including without limitation, a custom chip, and embedded processingdevice, a tablet computing device, a back-office system of a merchant105, a personal data assistant (PDA), a desktop, laptop, microcomputer,and minicomputer, a server, a mainframe, or any other suitableprogrammable device. In various embodiments disclosed herein, a singlecomponent may be replaced by multiple components and multiple componentsmay be replaced by single component to perform a given function orfunctions. Except where such substitution would not be operative, suchsubstitution is within the intended scope of the embodiments.

The computing device 500 may include a processor 510 that may be anysuitable type of processing unit, for example a general-purpose centralprocessing unit (CPU), a reduced instruction set computer (RISC), aprocessor that has a pipeline or multiple processing capabilityincluding having multiple cores, a complex instruction set computer(CISC), a digital signal processor (DSP), application specificintegrated circuits (ASIC), a programmable logic devices (PLD), and afield programmable gate array (FPGA), among others. The computingresources may also include distributed computing devices, cloudcomputing resources, and virtual computing resources in general.

The computing device 500 may also include one or more memories 530, forexample read-only memory (ROM), random access memory (RAM), cache memoryassociated with the processor 510, or other memory such as dynamic RAM(DRAM), static RAM (SRAM), programmable ROM (PROM), electricallyerasable PROM (EEPROM), flash memory, a removable memory card or disc, asolid-state drive, and so forth. The computing device 500 also includesstorage media such as a storage device that may be configured to havemultiple modules, such as magnetic disk drives, floppy drives, tapedrives, hard drives, optical drives and media, magneto-optical drivesand media, compact disk drives, Compact Disc Read Only Memory (CD-ROM),compact disc recordable (CD-R), Compact Disk Rewritable (CD-RW), asuitable type of Digital Versatile Disc (DVD) or BluRay disc, and soforth. Storage media such as flash drives, solid-state hard drives,redundant array of individual discs (RAID), virtual drives, networkeddrives and other memory means including storage media on the processor510, or memories 530 are also contemplated as storage devices. It may beappreciated that such memory may be internal or external with respect tooperation of the disclosed embodiments. It may be appreciated thatcertain portions of the processes described herein may be performedusing instructions stored on a computer readable medium or media thatdirect computer system to perform the process steps. Non-transitorycomputable-readable media, as used herein, comprises allcomputer-readable media except for transitory, propagating signals.

Networking communication interfaces 540 may be configured to transmitto, or receive data from, other computing devices 500 across a network560. The network and communication interfaces 540 may be, for example,an Ethernet interface, a radio interface, a Universal Serial Bus (USB)interface, or any other suitable communications interface and mayinclude receivers, transmitter, and transceivers. For purposes ofclarity, a transceiver may be referred to as a receiver or a transmitterwhen referring to only the input or only the output functionality of thetransceiver. Example communication interfaces 540 may include wire datatransmission links such as Ethernet and TCP/IP. The communicationinterfaces 540 may include wireless protocols for interfacing withprivate or public networks 560. For example, the network andcommunication interfaces 608 and protocols may include interfaces forcommunicating with private wireless networks such as Wi-Fi network, oneof the IEEE 802.11x family of networks, or another suitable wirelessnetwork. The network and communication interfaces 540 may includeinterfaces and protocols for communicating with public wireless networks560, using for example wireless protocols used by cellular networkproviders, including Code Division Multiple Access (CDMA) and GlobalSystem for Mobile Communications (GSM). A computing device 500 may usenetwork and communication interfaces 540 to communicate with hardwaremodules such as a database or data store, or one or more servers orother networked computing resources. Data may be encrypted or protectedfrom unauthorized access.

In various configurations, the computing device 500 may include a systembus 610 for interconnecting the various components of the computingdevice 500, or the computing device 500 may be integrated into one ormore chips such as programmable logic device or application specificintegrated circuit (ASIC). The system bus 550 may include a memorycontroller, a local bus, or a peripheral bus for supporting input andoutput devices 520, and communication interfaces 560. Example input andoutput devices 520 include keyboards, keypads, gesture or graphicalinput devices, motion input devices, touchscreen interfaces, one or moredisplays, audio units, voice recognition units, vibratory devices,computer mice, and any other suitable user interface.

The processor 510 and memory 530 may include nonvolatile memory forstoring computable-readable instructions, data, data structures, programmodules, code, microcode, and other software components for storing thecomputer-readable instructions in non-transitory computable-readablemediums in connection with the other hardware components for carryingout the methodologies described herein. Software components may includesource code, compiled code, interpreted code, executable code, staticcode, dynamic code, encrypted code, or any other suitable type of codeor computer instructions implemented using any suitable high-level,low-level, object-oriented, visual, compiled, or interpreted programminglanguage.

Other embodiments of the disclosure will be apparent to those skilled inthe art from consideration of the specification and practice of theinvention disclosed herein. It is intended that the specification andexamples be considered as exemplary only, with a true scope and spiritof the invention being indicated by the following claims.

What is claimed is:
 1. A computer-implemented method for presenting avarying augmented reality interface to a plurality of users performing asingle event, comprising: determining the plurality of users areentering credential information based, at least in part, on a selectionof at least one user interface element from a user interface of theirrespective user devices; detecting, via one or more sensors, a presenceof the user devices associated with the plurality of users in a sharedphysical environment, wherein a distance between the user devices iswithin a proximity threshold; generating the augmented reality interfaceand superimposing the augmented reality interface over physical objectswithin the shared physical environment, wherein visual arrangements ofalphanumeric characters and symbols in the augmented reality interfaceare different for each of the plurality of users; randomizing aplacement of the alphanumeric characters and the symbols in theaugmented reality interface based, at least in part, on a selection ofat least one alphanumeric character and at least one symbol by theplurality of users to generate unique randomized display of characters;and displaying the generated augmented reality interface on each of therespective user devices.
 2. The computer-implemented method of claim 1,further comprising: generating the augmented reality interface based, atleast in part, on proximity information of the plurality of users to apre-determined location, proximity information of the plurality of usersto a pre-determined physical object, a pre-determined time-period, or acombination thereof.
 3. The computer-implemented method of claim 1,further comprising: detecting, via one or more sensors, positioninformation associated with the plurality of users; determining theposition information associated with the plurality of users correspondto a pre-determined position configuration; and generating the augmentedreality interface based, at least in part, on the determination.
 4. Thecomputer-implemented method of claim 1, further comprising: applying oneor more animations to the alphanumeric characters, the symbols, or acombination thereof, wherein the one or more animations includemovements of the alphanumeric characters, the symbols, or a combinationthereof within an augmented reality environment.
 5. Thecomputer-implemented method of claim 1, further comprising: determininga mismatch between a received credential information and a storedcredential information, a surpassing of an amount threshold for anonline transaction, a lower trust score between the plurality of users,or a combination thereof; and increasing complexity of the visualarrangements by influencing size information, proximity information,placement information, or a combination thereof for the alphanumericcharacters, the symbols, or a combination thereof.
 6. Thecomputer-implemented method of claim 5, further comprising: hiding thealphanumeric characters, the symbols, or a combination thereof inoccluded spaces of the augmented reality environment.
 7. Thecomputer-implemented method of claim 1, further comprising: scatteringthe visual arrangements in the augmented reality interface across anylocation of an augmented reality environment.
 8. Thecomputer-implemented method of claim 1, further comprising: determiningthe plurality of users are entering the credential information based, atleast in part, on a voice-based command, a gesture-based command, ascanning of a bar code, a scanning of a quick response (QR) code, or acombination thereof.
 9. The computer-implemented method of claim 1,wherein the user devices are configured to provide an augmented realityinterface in an augmented reality environment.
 10. A system forpresenting a varying augmented reality interface to a plurality of usersperforming a single event, the system comprising: one or moreprocessors; and at least one non-transitory computer readable mediumstoring instructions which, when executed by the one or more processors,cause the one or more processors to perform operations comprising:determining the plurality of users are entering credential informationbased, at least in part, on a selection of at least one user interfaceelement from a user interface of their respective user devices;detecting, via one or more sensors, a presence of the user devicesassociated with the plurality of users in a shared physical environment,wherein a distance between the user devices is within a proximitythreshold; generating the augmented reality interface and superimposingthe augmented reality interface over physical objects within the sharedphysical environment, wherein visual arrangements of alphanumericcharacters and symbols in the augmented reality interface are differentfor each of the plurality of users; randomizing a placement of thealphanumeric characters and the symbols in the augmented realityinterface based, at least in part, on a selection of at least onealphanumeric character and at least one symbol by the plurality of usersto generate unique randomized display of characters; and displaying thegenerated augmented reality interface on each of the respective userdevices.
 11. The system of claim 10, further comprising: generating theaugmented reality interface based, at least in part, on proximityinformation of the plurality of users to a pre-determined location,proximity information of the plurality of users to a pre-determinedphysical object, a pre-determined time-period, or a combination thereof.12. The system of claim 10, further comprising: detecting, via one ormore sensors, position information associated with the plurality ofusers; determining the position information associated with theplurality of users correspond to a pre-determined positionconfiguration; and generating the augmented reality interface based, atleast in part, on the determination.
 13. The system of claim 10, furthercomprising: applying one or more animations to the alphanumericcharacters, the symbols, or a combination thereof, wherein the one ormore animations include movements of the alphanumeric characters, thesymbols, or a combination thereof within an augmented realityenvironment.
 14. The system of claim 10, further comprising: determininga mismatch between a received credential information and a storedcredential information, a surpassing of an amount threshold for anonline transaction, a lower trust score between the plurality of users,or a combination thereof; and increasing complexity of the visualarrangements by influencing size information, proximity information,placement information, or a combination thereof for the alphanumericcharacters, the symbols, or a combination thereof.
 15. A non-transitorymachine-readable medium storing instructions that, when executed by aserver, cause the server to perform a method for presenting a varyingaugmented reality interface to a plurality of users performing a singleevent, the method including: determining the plurality of users areentering credential information based, at least in part, on a selectionof at least one user interface element from a user interface of theirrespective user devices; detecting, via one or more sensors, a presenceof the user devices associated with the plurality of users in a sharedphysical environment, wherein a distance between the user devices iswithin a proximity threshold; generating the augmented reality interfaceand superimposing the augmented reality interface over physical objectswithin the shared physical environment, wherein visual arrangements ofalphanumeric characters and symbols in the augmented reality interfaceare different for each of the plurality of users; randomizing aplacement of the alphanumeric characters and the symbols in theaugmented reality interface based, at least in part, on a selection ofat least one alphanumeric character and at least one symbol by theplurality of users to generate unique randomized display of characters;and displaying the generated augmented reality interface on each of therespective user devices.
 16. The non-transitory machine-readable storagemedium of claim 15, further comprising: generating the augmented realityinterface based, at least in part, on proximity information of theplurality of users to a pre-determined location, proximity informationof the plurality of users to a pre-determined physical object, apre-determined time-period, or a combination thereof.
 17. Thenon-transitory machine-readable storage medium of claim 15, furthercomprising: detecting, via one or more sensors, position informationassociated with the plurality of users; determining the positioninformation associated with the plurality of users correspond to apre-determined position configuration; and generating the augmentedreality interface based, at least in part, on the determination.